Seatown Review
Seatown Electric Heating & Air · Seattle · September 2026
We felt burned by Seatown. Here’s what to check before you sign.
We’re Seattle homeowners. A routine furnace tune-up turned into a $25,225 heat pump replacement the next day, financed over seven years. This is our account, with dates, dollar amounts and public records, so you can make a better-informed decision than we did.
- Amount financed
- $25,225.26Original contract, Sept 22
- Disclosed APR
- 23.99%After a 12-month promo
- Total of payments
- $52,272.3684 × $622.29, if paid on schedule
- Days without heat
- ~3Sept 23 to Sept 26, 3 PM
The short version
- Seatown came out on Sept 21 for a tune-up of our 9-year-old gas furnace. We were told it could fail at any time. We signed for a full heat pump system the next day.
- The job was financed through Service Finance Company. The loan paperwork gave us until midnight Sept 25 to cancel. Seatown removed our furnace on Sept 23, while that window was still open.
- The salesperson who sold us the job was never on site to direct the install or confirm the plan with us. The duct layout the crew installed in our basement studio was not what we understood from the sale, and we stopped work. Seatown first quoted $3,361.16 to redo the ducts, then agreed to do that part at no charge.
- Seattle’s public permit records show the mechanical and refrigeration permits were applied for and issued Sept 28, two days after the system was turned on.
- After we put our concerns in writing, Seatown reduced the price by $2,500 before tax (about 11%). We signed revised financing on Oct 1.
Why we’re publishing this
We’ve signed, and the work is done pending the city’s final inspection. Our complaints with Washington L&I, the Better Business Bureau and the Washington Attorney General are still open.
We’re publishing because the problems started in the first 72 hours, before we understood our rights, and because of how we were treated when we raised them. In our experience, the chain of sales managers we dealt with was dismissive and hostile on the phone. On one call, a manager told my wife she was being unreasonable multiple times, then told me I had a point regarding the same grievances. We stopped talking by phone and put everything in writing.
In our opinion, the sale moved too fast for a decision this size. A $25,000 purchase with a $52,000 repayment total was made the day after a maintenance visit, the crew arrived before the cancellation period ended, and no one from sales was there to make sure the crew built what we were sold. Read the full timeline and judge for yourself.
What we’d tell a neighbor
- Get everything in writing. Every promise, price, change and schedule. If a call turns hostile, end it and follow up by email.
- Don’t sign a replacement at a tune-up visit. Get two or three written quotes first.
- If your loan comes with a three-day right to cancel, federal rules say the lender may not have work performed or materials delivered, directly or through the contractor, until it ends. Don’t let the crew start early.
- Get the duct routing and line-set path in writing, and insist the salesperson walk the plan with you and the install crew on day one.
- Ask for permit numbers before work begins, and look them up yourself.
- Verify every quoted rebate with the utility before you count it.
We wrote a longer checklist for hiring any heat pump installer in Seattle.
Questions people ask about Seatown
Who owns Seatown Electric Plumbing Heating & Air? Is it locally owned?
As of October 2026, Seatown’s Yelp business description calls it locally owned and operated. Business databases list Seatown as acquired by Service Champions in June 2023. Service Champions is now Champions Group, an Irvine, California company owned by the private equity firm Odyssey Investment Partners since 2021. In February 2026, Blackstone announced an agreement to acquire Champions Group. Seatown’s Washington general contractor registration lists an Irvine, California address. See the public records.
Does Seatown pull permits before starting work?
On our job, Seattle’s permit records show the electrical permit was issued the day after work began, and the mechanical and refrigeration permits were applied for and issued two days after the system was turned on. Another homeowner’s BBB complaint says sewer work began before a permit was in place, which Seatown disputes. Whoever you hire, ask for permit numbers before work starts and look them up on the Seattle Services Portal.
Can I cancel a Seatown heat pump contract?
Often, yes, within a short window. For a sale made in your home, the FTC Cooling-Off Rule generally gives three business days to cancel. If the financing takes a security interest in your home, federal Regulation Z gives three business days to rescind, and no work may be performed or materials delivered until that period ends. Seatown’s standard estimate terms describe a 72-hour deposit refund window, a 10% fee after that, and a mailed handwritten request form, so read both. Cancel in writing and keep a copy. This is not legal advice.
How much did a Seatown heat pump cost?
Our ducted heat pump system was $25,225.26 before financing. Financed at the disclosed 23.99% APR after a 12-month no-interest promo, the total of payments was $52,272.36. After we raised our concerns in writing, Seatown reduced the price by $2,500 before tax. We can’t tell you what your house should cost. Get two or three written quotes for the same equipment and scope, and compare model numbers, duct work, line-set length, permits and warranty.
Does Seatown offer financing?
Our job was financed through Service Finance Company, a Truist subsidiary, at a disclosed 23.99% APR after a 12-month no-interest, no-payment promo, over 84 monthly payments. Look at the total of payments on the Truth in Lending disclosure, not just the monthly payment, and compare a credit union home improvement loan.
Is Seatown BBB accredited?
Yes. As of October 2026, Seatown Electric Heating and Air LLC is BBB accredited with an A+ rating, with 7 complaints in the last three years and 22 customer reviews averaging 3 out of 5 stars. BBB letter grades weigh complaint response, time in business and licensing, and they aren’t a customer-satisfaction score, so read the complaints themselves.
What happened with our Seatown heat pump install?
A routine furnace tune-up turned into a $25,225 financed heat pump sale the next day. The furnace was removed while our cancellation window was still open, the duct layout wasn’t what we understood from the sale, and we were without heat for about three days. Read the full timeline.